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Contributor
alexak
Posts: 91
Registered: ‎06-04-2012

Discover?

I have been good willing the poo out of my baddies with no avail... That said... Not giving up! 

 

Ive been looking at discover for while. I applied a while back and was denied even on recon. The gentleman I talked to was so nice and gave me advice on what I should do to prepare to apply again. I had one card in DMP when I applied and he said pay it off and be done with you and you should be good. He mentioned that he saw my lates, including my 90-day and said that shouldnt be a problem either because the card is closed and fully paid. He also suggested that my util be under 20% which I already knew from here. With that said, is there a good possibility that I could get accepted? baddies in the signature.

Current: EX(plus) 659, EQ(Lender pull) 661, TU(Lender Pull) 664, Credit Karma: 691, Credit Sesame: 693
GOAL: 750's by Dec 2014
In my wallet: Chase Freedom $2000, Discover IT $1700, Chase Slate $1000, Citi Diamond Preferred $800, WFNNB/Victoria's Secret $500, Orchard Bank $500, Cap One Cash Rewards: $500
AU Bank of America $21,500
Established Contributor
sccredit
Posts: 774
Registered: ‎09-14-2012

Re: Discover?

[ Edited ]

I would expect a relatively low limit but with your scores I think you have a shot

 

Edit: I misread your scores, I have to agree with the poster below that you should wait until scores are higher.  Sorry about that

Mortgage $296k/$310k
Autos Loans $29k
Unsecured Lines $167.2k

Discover FICO 757
DCU FICO 744

Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Discover?

If I were you, I would wait til TU/EQ Fico is at least 680.


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Contributor
alexak
Posts: 91
Registered: ‎06-04-2012

Re: Discover?

Thanks guys. Hoping that my barrage of GW letters works in the near future!

Current: EX(plus) 659, EQ(Lender pull) 661, TU(Lender Pull) 664, Credit Karma: 691, Credit Sesame: 693
GOAL: 750's by Dec 2014
In my wallet: Chase Freedom $2000, Discover IT $1700, Chase Slate $1000, Citi Diamond Preferred $800, WFNNB/Victoria's Secret $500, Orchard Bank $500, Cap One Cash Rewards: $500
AU Bank of America $21,500
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Discover?

Wait and be patient........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k


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